20yrs with Nationwide and treated with insensitivity

callum9999

If I were you I'd try appealing as has been suggested, but what your husband did is inform the bank that he is likely to struggle to pay back the card in the near future - from a risk point of view, it would be pretty irresponsible for them to keep lending you more money.

Watalie

No offense to the OP as I know there are many of us out there (me included!!) who think that the Banks actually give a sh*t about us... our money keeps the big corporations going, but they couldn't care less about our circumstances. It never ceases to amaze me how many of us are suprised by the banks attitudes.

There used to be a time when you had, maybe not a bank manager but a face in the branch that you recognised... it's just not the case now. It's all about the faceless customer rep on the other end of the phone!

That said, I'm pretty lucky with Barclays (though I'm sure that there are loads of people out there with other experiences!!) I know a lady in my branch and tend to see her the most. Makes my life soooooo much easier.

To the OP, I hope you get sorted soon!

chattychappy

Mozette wrote: »

Nationwide credit cards are a different "entity" to NW building society, or so I believe. I must say I've been a customer for over 20 years and have no complaints whatever. I've always found them to be brilliant.

It is indeed issued by the Nationwide Building Society. From the first part of the T+Cs:

This is a copy of your agreement for you to keep. It includes a notice about your cancellation rights which you should read.

Credit Card Agreement regulated by the Consumer Credit Act 1974
This is an agreement between Nationwide Building Society, Credit Card Services, PO Box 8738, Wigston, LE18 9BG

and you:

chuckley

2bf he's indicated that he's being made redundant, so it was wise for them to block the card before missed payments started happening.

a pain, but works out better in the long run.

Curt.

missuscheesy wrote: »

Personally, I would try going into your local branch - sometimes you get a different reaction face to face.

Yeah though most systems are centralized now, so it may not do any good...but worth a shot maybe.

But even if your situation improves I would consider voting with your feet too.

I think they now have no choice...in case of set of being used.

To Titchy: If you do start missing payments, defaulting or anything else, it would be wise to have your money in another bank or building society as the will just take it from your other Nationwide accounts for the CC Bill, and leave you with nothing.

Curt.

chuckley wrote: »

2bf he's indicated that he's being made redundant, so it was wise for them to block the card before missed payments started happening.

a pain, but works out better in the long run.

Presumably if they hadn't blocked the card once he rang up, and he ran into debt and couldn't pay it back, most folks would be blaming the bank for not stopping the card.

Sometimes, you just can't win whatever you do.

sheslookinhot

Mozette wrote: »

I must say I've been a customer for over 20 years and have no complaints whatever. I've always found them to be brilliant.

I guess no complaints means you have not discussed any future difficult situations with them.

It's like insurance companies, they are all great until you need to make a claim. Then you find out how great they really are.

Curt.

Rupert_Bear wrote: »

I do not tell my bank more than they need to know and certainly would not take them in my confidence.

This.

Excellent advise.

Only tell them what they need to know, and for the maximum potential for you to us them for all they are worth.

Do you honestly think a call centre operative is really interested in how long you have been with them.

Meh, i guess there's a trickle down effect, like say a manager. Do you think he would really give a fuk about the employee who was with Nationwide for so long but inadvertantly suspended a CC because he thought it was a risk to the company? As and when Mr and Mrs Titchy move their assets elsewhere, i'm sure some idiot might be on the chopping block, so long as the good customers note exactly why they closed off all their other accounts.

Btw i agree with you - Lloyds are one of the best, but they do tend to ask a lot more questions than most. Nosey little fukers. But its worth it in the long run with them.

nearlyrich

Not all banks treat you this way, I was made redundant earlier this year, I called my bank to ensure all the DDs and SOs were still relevant and mentioned I was being made redundant, a week later I had a letter confirming my substantial overdraft facility which at the time I thought was a bit mad. I was only actually unpaid for one month as I got another job just after my notice pay ran out and I hope the OP's husband is just as lucky...

Curt.

digitalphase wrote: »

I agree with izools. It is harsh treatment, but unfortunately not a surprise.

Agreed.

I found Nationwide an awful company to deal with. I had a current account with them. I won't go into details as not relevant, but basically they really do not give a toss about you or your circumstances :mad:

Agreed. I knew someone who, when she ran into extreme difficulties (not due to financial issues, but her personal life) got the same treatment from them.

I won't bother going into details either but when she asked about an increase in her overdraft, they said no, demanded the whole thing be re-payed immediately. They didn't even let her financial representative speak on the phone as they claimed they didn't always record calls to their back offices.

If I were you I'd transfer all monies away from them a.s.a.p. so they cannot make anymore money off of you. Be it balance transfers or savings accounts.

Preach it! :T